Final expense insurance is an affordable, permanent life insurance policy designed to cover burial costs, funeral expenses, and unpaid medical bills — so your loved ones never carry that burden alone.
No obligation. No pressure. Just honest guidance.
Final expense insurance — sometimes called burial insurance or funeral insurance — is a type of whole life insurance policy with a smaller face value, typically ranging from $2,000 to $35,000. It is designed specifically to cover the costs associated with end-of-life expenses, including funeral services, burial or cremation, outstanding medical bills, and any remaining debts you may leave behind.
Unlike traditional life insurance, final expense policies are easy to qualify for. Many people between the ages of 50 and 85 can get covered with no medical exam required. The premiums are fixed for life and the death benefit is paid out directly to your named beneficiary — typically within days of a valid claim.
In Tampa, Florida, the average funeral cost ranges from $8,000 to $12,000 or more when you factor in burial plots, services, and related expenses. Without a plan in place, families are often left scrambling to cover these costs out of pocket — sometimes turning to crowdfunding or taking on debt. A final expense policy eliminates that risk.
At Lopez Wealth Care, Brandon Lopez works with A-rated carriers including Americo, Mutual of Omaha, and Transamerica to help Tampa Bay residents find affordable final expense coverage that matches their age, health, and budget. The process is simple, respectful, and educational — no pressure, no jargon.
Brandon Lopez will personally walk you through your options — no pressure, no obligation.
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Simple, transparent steps — no jargon, no pressure.
Call or fill out the form to connect with Brandon Lopez. He will learn about your situation, age, health history, and what you want to leave behind for your family.
Brandon will present final expense policy options from multiple A-rated carriers — comparing premiums, coverage amounts, and terms side by side in plain language.
Once you select the right plan, the application process is straightforward. Many policies are approved quickly with no medical exam, and coverage can begin almost immediately.
This type of coverage is a strong fit for people in a variety of life situations.
Brandon Lopez serves clients throughout Tampa, Hillsborough County, St. Petersburg, Clearwater, Brandon FL, and Wesley Chapel. Whether you are a truck driver, a veteran, a business owner, or a parent planning ahead — Lopez Wealth Care is here to help you build a plan that fits your life.
Schedule My Free CallHere is why families and individuals in Tampa, FL choose this type of coverage.
Premiums are fixed and never increase — budget with confidence
Coverage lasts your entire lifetime, not just a term period
No medical exam required for many plans — simplified or guaranteed issue available
Death benefit is paid directly to your beneficiary, tax-free
Funds can be used for any purpose: funeral, medical bills, rent, or debts
Policies available from $2,000 to $35,000 to fit your exact needs
A-rated carriers mean your claim will be paid reliably
Fast approval — many applicants get covered within days
Living benefits available on select policies for chronic or terminal illness
Helps preserve savings and assets for heirs rather than using them for expenses
Peace of mind knowing your family will not face a financial emergency at an emotional time
Local Tampa, FL advisor available by phone or in-person consultation
Real stories from Tampa Bay families and professionals.
“Brandon made the whole process so simple. I was worried I was too old or too sick to qualify, but he found me a plan that fit my budget perfectly. I finally feel like my family is protected.”
Margaret T.
Retired Teacher • Tampa, FL
“As a veteran on a fixed income, I needed something I could afford. Brandon explained everything clearly and never made me feel pressured. I got covered the same week.”
Donald R.
U.S. Army Veteran • St. Petersburg, FL
“My dad passed away without coverage and we had to go into debt to bury him. I made sure to get a final expense policy right away. Brandon helped me find exactly what I needed.”
Carmen V.
Family Caregiver • Brandon, FL
* Testimonials are representative of client experiences. Individual results may vary.
Straight answers to the questions people ask most about final expense insurance in Tampa, FL.
Final expense insurance is a permanent whole life policy designed to pay for burial, funeral, and end-of-life costs. When the insured passes away, the named beneficiary receives the death benefit — typically within days — which can be used for any expense.
Premiums vary based on age, health, and coverage amount. In Tampa, a healthy 60-year-old may pay as little as $30–$80 per month for $10,000 in coverage. Brandon Lopez will provide a personalized quote at no cost.
Most final expense policies do not require a medical exam. Some offer simplified underwriting with a few health questions, while guaranteed issue plans require no health questions at all — though premiums may be higher.
Both terms refer to the same type of product. "Burial insurance" and "funeral insurance" are informal names for a final expense life insurance policy. The official product name is a small whole life or simplified issue life insurance policy.
Brandon Lopez works with top-rated carriers including Americo, Mutual of Omaha, and Transamerica — all of which carry strong financial ratings and have long track records of paying claims reliably.
Yes. Most final expense policies are specifically designed for seniors between ages 50 and 85. Many Tampa Bay seniors qualify even with health conditions that would disqualify them from traditional life insurance.
Yes. Veterans in Tampa and Hillsborough County can benefit greatly from a final expense policy, especially if they are not fully covered by VA burial benefits or want to leave additional funds for their family.
Brandon Lopez will personally review your situation and present options that match your goals and budget — using only A-rated carriers. No pressure. No obligation.
Regarding: Final Expense Insurance
